To prepare the Southwestern-flavored goat cheese if it is not commercially available, add to the cheese 1 teaspoon ground pure mild red chile, 1 clove garlic, minced, and a pinch of cumin; stir to blend. Cream cheese can be substituted for the goat cheese.

Note:
Any leftover black beans can be placed in a moisture-proof bag and frozen for up to 90 days.